[retiredguy123]

Originally Posted by Altavia

Does an umbrella policy only applyon top of other insurance?

If so, will an umbrella policy cover a cart that's not insured?

Yes, most umbrella policies I have seen only add to the liability limit, but some umbrella policies do cover some additional risks. However, they do not cover all risks. You really need to read the policy carefully.

[Topspinmo]

Originally Posted by CoachKandSportsguy

So what's the personal liability difference between a landlord cart and a rented cart? As those are the only two options if you want a golf cart. . .

Personally, the risk is very low as a renter if you don't drive drunk and follow the rules. If you are stupid, have responsibility or alcohol issues, get a huge umbrella insurance policy and borrow a cart, as you should already have an umbrella coverage anyway. .

I turn those you’s back to you. I don’t rent, I don’t drive drunk, I don’t let other drive my shu-t.